Home improvement loan lenders in Dutchess County, New York
Fat Boy Data analyzed home improvement loan activity in Dutchess County, New York to show which lenders are making these loans, how often they approve, how often borrowers accept the offer, and how much they typically finance. 4,533 applications were decided by 74 lenders between 2023 and 2025.
Dutchess County at a glance
How Dutchess County compares
What the data shows
Hudson Valley Credit Union made the most home improvement loans in Dutchess County, NY, 1,638 of them.
That is 65% of every home improvement loan originated here, so this market is unusually concentrated in one lender.
Broadview Federal Credit Union approved the highest share of applications among lenders with at least 20 decisions here, 83% of 23.
Lenders approved 66.2% of home improvement loan applications in Dutchess County, NY, 7.6 percentage points above the New York rate of 58.6%.
No lender with a meaningful sample here has a typical home improvement loan at or below $35K, so small jobs are poorly served by the banks in this market.
Each dot is one lender, placed at its approval rate. Hover for the name and sample size.
Home improvement loan lenders in Dutchess County
| Lender | Approval | Approved | Taken up | Typical loan | Loans made | |
|---|---|---|---|---|---|---|
| 1 | Hudson Valley Credit Union | 72% | 2,086 / 2,896 | 79% | $75K | 1,638 |
| 2 | Manufacturers and Traders Trust Company | 55% | 176 / 320 | 95% | $105K | 168 |
| 3 | Citizens Bank, National Association | 62% | 145 / 234 | 94% | $105K | 137 |
| 4 | Bank of America, National Association | 40% | 58 / 146 | 98% | $105K | 57 |
| 5 | Mid-Hudson Valley Federal Credit Union | 69% | 81 / 118 | 94% | $85K | 76 |
Ranked by lending volume. Approval is the share of decided applications a lender approved; taken up is the share of approvals the borrower accepted. Lenders with fewer than 20 decisions are marked as a limited sample and are never used for a “highest approval” claim. How these numbers are built.
Fat Boy found 69 more lenders.
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You are seeing the 5 largest home improvement loan lenders in Dutchess County. Unlock every lender who decided one of these loans here, what they approved, how much borrowers actually took, and how far the nearest office is.
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